Reinsurance (Tables)

12 Months Ended

Dec. 31, 2012

Property and Casualty Insurance [Member]

Premiums and loss and loss settlement expenses related to our ceded and assumed business is as follows:




Years Ended December 31	2012		2011		2010
Ceded Business
Ceded premiums written	$	44,240	$	43,921	$	32,511
Ceded premiums earned	47,467		45,604		32,598
Loss and loss settlement expenses ceded	5,525		39,335		17,381

Assumed Business
Assumed premiums written	$	17,181	$	14,954	$	11,713
Assumed premiums earned	16,889		14,869		11,668
Loss and loss settlement expenses assumed	16,873		24,151		(4,276		)



	2012 & 2011 Reinsurance Programs
Type of Reinsurance	Stated Retention		Limits		Coverage
Casualty excess of loss	$	2,000	$	40,000	100	%	of	$	38,000
Property excess of loss	2,000		15,000		100	%	of	$	13,000
Surety excess of loss	1,500		28,000		91	%	of	$	26,500
Property catastrophe, excess	20,000		200,000		95	%	of	$	180,000
Boiler and machinery	N/A		50,000		100	%	of	$	50,000

The following table provides a summary of Mercer Insurance Group's primary reinsurance programs for 2011:



	2011 Reinsurance Programs
Type of Reinsurance	Stated Retention		Limits		Coverage
Casualty excess of loss ⁽¹⁾	$	1,000	$	5,000	100	%	of	$	4,000
Property excess of loss⁽¹⁾	1,000		10,000		100	%	of	$	9,000
Umbrella excess of loss⁽¹⁾	1,000		11,000		75	%	of first	$	1,000
					100	%	of remaining	$	9,000
Surety excess of loss	500		4,500		90	%	of	$	4,000
							less	$500 deductible
Property catastrophe, excess⁽²⁾	5,000		55,000		100	%	of	$	50,000

(1) On August 1, 2011, Mercer Insurance Group's reinsurance retention and limits were changed to match

Life Insurance [Member]

Premiums and losses and loss settlement expenses related to our ceded business is as follows:




Years Ended December 31	2012		2011		2010
Ceded Business
Ceded insurance in-force	$	1,083,410	$	974,556	$	959,145
Ceded premiums earned	2,621		2,318		2,123
Loss and loss settlement expenses ceded	2,435		3,786		3,072